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Upturn AI SWOT - About
INTR 
Inter & Co. Inc. Class A Common Shares (INTR)
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Upturn Advisory Summary
09/15/2025: INTR (3-star) is a STRONG-BUY. BUY since 23 days. Simulated Profits (9.41%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
10 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $8.38
1 Year Target Price $8.38
| 5 | Strong Buy |
| 3 | Buy |
| 1 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 87.27% | Avg. Invested days 37 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.92B USD | Price to earnings Ratio 18.96 | 1Y Target Price 8.38 |
Price to earnings Ratio 18.96 | 1Y Target Price 8.38 | ||
Volume (30-day avg) 10 | Beta 1.15 | 52 Weeks Range 3.82 - 9.10 | Updated Date 09/15/2025 |
52 Weeks Range 3.82 - 9.10 | Updated Date 09/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.47 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.08% | Operating Margin (TTM) 27.87% |
Management Effectiveness
Return on Assets (TTM) 1.58% | Return on Equity (TTM) 13.27% |
Valuation
Trailing PE 18.96 | Forward PE 11.09 | Enterprise Value 22447554560 | Price to Sales(TTM) 0.74 |
Enterprise Value 22447554560 | Price to Sales(TTM) 0.74 | ||
Enterprise Value to Revenue 3.97 | Enterprise Value to EBITDA - | Shares Outstanding 323004000 | Shares Floating 60738848 |
Shares Outstanding 323004000 | Shares Floating 60738848 | ||
Percent Insiders 25.16 | Percent Institutions 23.05 |
Upturn AI SWOT
Inter & Co. Inc. Class A Common Shares
Company Overview
History and Background
Inter & Co. Inc., formerly Banco Inter S.A., is a Brazilian financial institution founded in 1994 as Intermedium Financeira. It transitioned into a full-service bank and expanded its digital platform in the 2010s, focusing on providing services to individuals and businesses. The company went public in 2018 on the B3 (Brazilian Stock Exchange) and listed its Class A common shares on NASDAQ in 2022.
Core Business Areas
- Banking Services: Offers a range of banking products, including checking accounts, credit cards, loans, and investment services, primarily through a digital platform.
- Insurance: Provides various insurance products, including life, auto, and home insurance.
- Investments: Offers investment products, including stocks, bonds, and mutual funds, through its digital investment platform.
- Marketplace: Hosts an online marketplace where customers can purchase goods and services from various merchants.
Leadership and Structure
Jou00e3o Vitor Menin is the CEO. The company has a board of directors and operates with a structure typical of a publicly traded financial institution, with various departments overseeing different business areas.
Top Products and Market Share
Key Offerings
- Digital Banking Accounts: Provides free digital checking accounts with no monthly fees. Competitors include Nubank, PicPay, and other digital banks in Brazil. Market share and user numbers are dynamic and depend on specific reports and periods. Banco Inter reports having ~27 million customers as of Q3 2023
- Credit Cards: Offers credit cards with cashback and rewards programs. Competitors include Itau Unibanco, Banco Bradesco, and other major Brazilian banks. Specific market share data is not consistently available.
- Marketplace: A marketplace platform offering a wide array of products. Competitors include MercadoLibre, Amazon and Magalu.
Market Dynamics
Industry Overview
The Brazilian financial services industry is undergoing significant digital transformation, with increasing competition from fintech companies and established banks expanding their digital offerings.
Positioning
Inter & Co. is positioned as a digital bank aiming to disrupt the traditional banking sector in Brazil by offering low-cost and convenient services. It leverages technology to compete with larger, established players.
Total Addressable Market (TAM)
The TAM for financial services in Brazil is substantial, encompassing banking, lending, insurance, and investments. Inter & Co. is targeting a significant share of this market by focusing on underserved segments and digital-first solutions. Exact TAM figures are challenging to pinpoint due to the dynamic market, but estimates range in the hundreds of billions of USD.
Upturn SWOT Analysis
Strengths
- Strong digital platform
- Low-cost operating model
- Growing customer base
- Innovative product offerings
- Strong brand recognition among digital natives
Weaknesses
- Reliance on the Brazilian economy
- Relatively small market share compared to established banks
- Exposure to credit risk in lending activities
- High competition in the digital banking sector
- Revenue concentration in specific product lines
Opportunities
- Expansion into new product lines (e.g., insurance, investments)
- Growth in the Brazilian middle class
- Increasing adoption of digital banking services
- Strategic partnerships with other companies
- International expansion to other Latin American countries
Threats
- Increased competition from fintech startups
- Changes in regulations affecting the financial industry
- Economic downturn in Brazil
- Cybersecurity risks
- Political instability in Brazil
Competitors and Market Share
Key Competitors
- NU
- ITUB
- BBDC
- XP
Competitive Landscape
Inter & Co. competes with both traditional banks and fintech companies in Brazil. Its digital-first approach and low-cost operating model provide a competitive advantage, but it faces challenges from larger, more established players with greater resources.
Major Acquisitions
USEND
- Year: 2020
- Acquisition Price (USD millions): 0
- Strategic Rationale: Strengthened cross border operations and revenue streams. Banco Inter paid $0.01 for the company's capital
Growth Trajectory and Initiatives
Historical Growth: Inter & Co. has experienced significant growth in its customer base and revenue in recent years, driven by its digital-first strategy and innovative product offerings.
Future Projections: Future growth projections for Inter & Co. depend on factors such as the growth of the Brazilian economy, the adoption of digital banking services, and the company's ability to execute its strategic initiatives. Analyst estimates can provide insights into potential future growth rates.
Recent Initiatives: Recent strategic initiatives undertaken by Inter & Co. include the expansion of its product offerings, investments in technology, and partnerships with other companies.
Summary
Inter & Co. is a growing digital bank in Brazil with a strong digital platform and innovative product offerings. It faces intense competition from established banks and fintech startups. The company's future success depends on its ability to continue growing its customer base, expanding its product offerings, and managing credit risk effectively. They need to carefully navigate the ever-changing landscape of digital banking.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Inter & Co. Investor Relations
- SEC Filings
- Third-party financial data providers
- Industry reports
- Press Releases
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor. Market data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Inter & Co. Inc. Class A Common Shares
Exchange NASDAQ | Headquaters Belo Horizonte, MG, Brazil | ||
IPO Launch date 2022-06-23 | CEO of Inter Invest Mr. Felipe Bottino | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://inter.co |
Full time employees - | Website https://inter.co | ||
Inter & Co, Inc., through its subsidiaries, engages in the banking and spending, investments, insurance brokerage, and inter shop businesses in Brazil and the United States. The company offers banking products and services, including checking accounts; cards; deposits; loans and advances; and other services, as well as debt collection; foreign exchange and financial services; and global account digital solution. It also provides acquisition, sale, and custody of securities; structures and distributes securities; and operates management of fund portfolios and other assets. In addition, the company offers insurance products including warranties, life, property, and automobile insurance; pension products; and consortium products. Further, it engages in the sale of goods and/or services through digital platform. Inter & Co, Inc. was founded in 1994 and is headquartered in Belo Horizonte, Brazil.
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